BlastPoint's Credit Union Scorecard
PATENT AND TRADEMARK OFFICE
Charter #4936 · VA
PATENT AND TRADEMARK OFFICE faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.12% below tier average
- - Efficiency ratio 0.63% above tier (higher cost structure)
- - Delinquency rate 1.04% above tier average
- - Member decline: -3.6% YoY
- - Net Worth Ratio: Bottom 2.0% in tier
- - Indirect Auto Concentration (%): Bottom 4.0% in tier
- - Net Charge-Off Rate: Bottom 4.5% in tier
- - Loan Growth Rate: Bottom 6.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 49 that size in Virginia.
- Shares and deposits +0.3% year over year ($37.1M in shares and deposits).
- Membership: 2,735 members, -3.6% vs a year ago.
- Delinquency rate 2.59%.
- Return on assets 0.37%.
- Efficiency ratio 89.39% vs a 88.77% peer average.
- Loan-to-share ratio 49.55% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,735
-3.6% YoY-0.4% QoQ
|
+149 |
2,585
-1.7% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
64% |
| Assets |
$40.1M
+0.8% YoY-1.2% QoQ
|
+$9.8M |
$30.3M
+1.5% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
69% |
| Loans |
$18.4M
-20.2% YoY-3.3% QoQ
|
+$2.9M |
$15.5M
-1.7% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
68% |
| Deposits |
$37.1M
+0.3% YoY-1.7% QoQ
|
+$11.3M |
$25.8M
+1.1% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
72% |
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| ROA |
0.4%
-44.0% YoY-37.0% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
23% |
| NIM |
3.6%
+0.4% YoY+0.4% QoQ
|
-0.3% |
3.9%
+0.9% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
36% |
| Efficiency Ratio |
89.4%
+6.8% YoY+6.4% QoQ
|
+0.6% |
88.8%
-6.9% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
70% |
| Delinquency Rate |
2.6%
+90.3% YoY-4.0% QoQ
|
+1.0 |
1.5%
+2.1% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
84% |
| Loan To Share |
49.5%
-20.5% YoY-1.6% QoQ
|
-9.3% |
58.9%
-3.1% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
35% |
| AMR |
$20,296
-4.2% YoY-1.9% QoQ
|
+$5K |
$14,963
-6.8% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
79% |
| CD Concentration |
1.3%
-4.3% YoY-1.1% QoQ
|
-23.2% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % |
28.2%
-8.3% YoY-6.1% QoQ
|
+14.5% | 13.6% | 9.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)